Stupid is not illegal.
Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.
If you will live like no one else, later you can live like no one else.
There's a great place to go when you're broke--to work!
Just keep taking the next step and keep having excellence in the ordinary.
My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid.